Are home insurance companies leaving Texas?

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A growing number of extreme weather events in Texas has made insurers in Dallas-Fort Worth more cautious about providing coverage to homes in the region.

An Oak Cliff resident surveyed the damage from a fallen tree on a home at Bonnie View Road and Morrell Avenue in 2019.due to climate risks. While there are no clear signs that insurers will pull out of Texas entirely, homeowners and buyers are facing challenges in getting coverage that real estate industry veterans say are unusual compared to previous years.

Florida and California had a far greater share of buyers worried about getting or being able to afford insurance, with some “very concerned,” but Texas was the next biggest concentration of insurance fears, the survey indicated. Jaelan Austin, an insurance broker in Fort Worth with Goosehead Insurance, said most carriers are no longer accepting new homeowners insurance business in North Texas, at least temporarily, and that some are choosing not to renew existing policies.He said many insurance companies will only accept new policies if bundled with auto insurance, but many customers may not want to cancel their auto insurance in the middle of their term to move to a new carrier to get home insurance.

“I’ve been doing this about almost nine years now, and I have seen insurance companies insure roofs that you and I wouldn’t walk on,” Potter said. “I haven’t heard this bubbling up until like the last six or eight months.”A limited liability company tied to FirstKey Homes received a new $381 million loan from a New York office of Tokyo-based Nomura Holdings Inc., according to deed records filed in counties throughout Texas and the U.S.

 

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